PZS Fundamental Analysis - SCHERZER & CO AG

Fundamental Rating

We assign a fundamental rating of 5 out of 10 to PZS. PZS was compared to 46 industry peers in the Financial Services industry. PZS has an excellent financial health rating, but there are some minor concerns on its profitability. PZS is quite expensive at the moment. It does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year PZS was profitable.

In multiple years PZS reported negative net income over the last 5 years.

PZS had a negative operating cash flow in each of the past 5 years.

1.2 Ratios

PZS has a Return On Assets (1.78%) which is in line with its industry peers.

Looking at the Return On Equity, with a value of 2.07%, PZS is doing worse than 60.87% of the companies in the same industry.

Looking at the Return On Invested Capital, with a value of 10.78%, PZS is in the better half of the industry, outperforming 76.09% of the companies in the same industry.

PZS had an Average Return On Invested Capital over the past 3 years of 9.89%. This is in line with the industry average of 10.06%.

The last Return On Invested Capital (10.78%) for PZS is above the 3 year average (9.89%), which is a sign of increasing profitability.

		Industry Rank	Sector Rank
ROA	1.78%
ROE	2.07%
ROIC	10.78%

ROA(3y)0.02%

ROA(5y)5.23%

ROE(3y)-0.03%

ROE(5y)6.75%

ROIC(3y)9.89%

ROIC(5y)11.04%

1.3 Margins

PZS has a Profit Margin (9.88%) which is comparable to the rest of the industry.

PZS's Profit Margin has declined in the last couple of years.

PZS has a better Operating Margin (93.65%) than 95.65% of its industry peers.

In the last couple of years the Operating Margin of PZS has remained more or less at the same level.

Looking at the Gross Margin, with a value of 97.37%, PZS belongs to the top of the industry, outperforming 93.48% of the companies in the same industry.

In the last couple of years the Gross Margin of PZS has remained more or less at the same level.

		Industry Rank	Sector Rank
OM	93.65%
PM (TTM)	9.88%
GM	97.37%

OM growth 3Y4.22%

OM growth 5Y1.05%

PM growth 3Y-46.35%

PM growth 5YN/A

GM growth 3Y-0.57%

GM growth 5Y0.46%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

Compared to 1 year ago, PZS has less shares outstanding

Compared to 5 years ago, PZS has less shares outstanding

Compared to 1 year ago, PZS has an improved debt to assets ratio.

2.2 Solvency

An Altman-Z score of 5.48 indicates that PZS is not in any danger for bankruptcy at the moment.

With an excellent Altman-Z score value of 5.48, PZS belongs to the best of the industry, outperforming 86.96% of the companies in the same industry.

A Debt/Equity ratio of 0.06 indicates that PZS is not too dependend on debt financing.

PZS's Debt to Equity ratio of 0.06 is amongst the best of the industry. PZS outperforms 80.43% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.06
Debt/FCF	N/A
Altman-Z	5.48

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

PZS has a Current Ratio of 12.35. This indicates that PZS is financially healthy and has no problem in meeting its short term obligations.

PZS has a better Current ratio (12.35) than 91.30% of its industry peers.

A Quick Ratio of 12.35 indicates that PZS has no problem at all paying its short term obligations.

PZS has a Quick ratio of 12.35. This is amongst the best in the industry. PZS outperforms 91.30% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	12.35
Quick Ratio	12.35

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 350.00% over the past year.

Measured over the past years, PZS shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -49.58% on average per year.

Looking at the last year, PZS shows a very strong growth in Revenue. The Revenue has grown by 75.61%.

The Revenue has been growing by 22.62% on average over the past years. This is a very strong growth!

EPS 1Y (TTM)350%

EPS 3Y-49.58%

EPS 5YN/A

EPS Q2Q%216.67%

Revenue 1Y (TTM)75.61%

Revenue growth 3Y-7.27%

Revenue growth 5Y22.62%

Sales Q2Q%729.04%

3.2 Future

Based on estimates for the next years, PZS will show a very strong growth in Earnings Per Share. The EPS will grow by 48.12% on average per year.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next Y118.75%

EPS Next 2Y52.07%

EPS Next 3Y48.12%

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

PZS is valuated quite expensively with a Price/Earnings ratio of 46.40.

Based on the Price/Earnings ratio, PZS is valued a bit more expensive than 67.39% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 27.20. PZS is valued rather expensively when compared to this.

With a Price/Forward Earnings ratio of 13.13, PZS is valued correctly.

PZS's Price/Forward Earnings is on the same level as the industry average.

PZS's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.70.

		Industry Rank	Sector Rank
PE	46.4
Fwd PE	13.13

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as PZS's earnings are expected to grow with 48.12% in the coming years.

PEG (NY)0.39

PEG (5Y)N/A

EPS Next 2Y52.07%

EPS Next 3Y48.12%

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5. Dividend

5.1 Amount

PZS does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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SCHERZER & CO AG

FRA:PZS (9/12/2025, 7:00:00 PM)

2.32

0 (0%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)07-02 2025-07-02

Earnings (Next)10-02 2025-10-02

Inst Owners7.26%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap63.10M

Analysts83.33

Price Target3 (29.31%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly DividendN/A

Dividend Growth(5Y)N/A

DPN/A

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)-2.32%

PT rev (3m)-2.32%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)-2.78%

EPS NY rev (3m)-2.78%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	46.4
Fwd PE	13.13
P/S	4.35
P/FCF	N/A
P/OCF	N/A
P/B	0.91
P/tB	0.91
EV/EBITDA	N/A

EPS(TTM)0.05

EY2.16%

EPS(NY)0.18

Fwd EY7.62%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS0.53

BVpS2.55

TBVpS2.55

PEG (NY)0.39

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	1.78%
ROE	2.07%
ROCE	17.74%
ROIC	10.78%
ROICexc	29.37%
ROICexgc	29.37%
OM	93.65%
PM (TTM)	9.88%
GM	97.37%
FCFM	N/A

ROA(3y)0.02%

ROA(5y)5.23%

ROE(3y)-0.03%

ROE(5y)6.75%

ROIC(3y)9.89%

ROIC(5y)11.04%

ROICexc(3y)29.86%

ROICexc(5y)34.27%

ROICexgc(3y)29.86%

ROICexgc(5y)34.27%

ROCE(3y)16.27%

ROCE(5y)18.17%

ROICexcg growth 3Y3.14%

ROICexcg growth 5Y14.19%

ROICexc growth 3Y3.14%

ROICexc growth 5Y14.19%

OM growth 3Y4.22%

OM growth 5Y1.05%

PM growth 3Y-46.35%

PM growth 5YN/A

GM growth 3Y-0.57%

GM growth 5Y0.46%

F-ScoreN/A

Asset Turnover0.18

Health

		Industry Rank	Sector Rank
Debt/Equity	0.06
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	12.35
Quick Ratio	12.35
Altman-Z	5.48

F-ScoreN/A

WACCN/A

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)350%

EPS 3Y-49.58%

EPS 5YN/A

EPS Q2Q%216.67%

EPS Next Y118.75%

EPS Next 2Y52.07%

EPS Next 3Y48.12%

EPS Next 5YN/A

Revenue 1Y (TTM)75.61%

Revenue growth 3Y-7.27%

Revenue growth 5Y22.62%

Sales Q2Q%729.04%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y52.29%

EBIT growth 3Y-3.36%

EBIT growth 5Y23.91%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1YN/A

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1YN/A

OCF growth 3YN/A

OCF growth 5YN/A

SCHERZER & CO AG (PZS.DE) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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